[sjducb]

It sounds like the perfect time to jump to freelance. You've got 2 clients already.

However... What happens if both clients back out and you suddenly get no work for a year? Do you have 1 year of savings runway? Will your family and living situation survive no income for a year? You need at least a year of runway because it's perfectly normal to go for 2 months with no income and if you've only got 3 months of savings then you'll start panicking.

Also getting a mortgage as a freelancer is more complicated. Have you bought all of the houses you want for the next 2 years? (Freelancer mortgages require 2 years of company accounts, so you won't be able to get a mortgage for the next 2 years)